I do involve my kids in day to day money management, almost to the point of being ridiculous. The girls are still really bad with money.

They do not have jobs. My stepdaughter had a part time job last summer, while she was staying with her grandmother, and returned with not so much as a penny to her name. Her tax return, similarly, evaporated in days.

Getting jobs is part of the short term plan. The free-ride train is stopping soon, and if you'd like to stay here you'll have to contribute. Staying somewhere else will be a hell of a lot more expensive.